# HERITAGE BANK OF THE OZARKS
LEBANON, MO · FDIC certificate 57576 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $424.0M | |
| Deposits | $376.9M | |
| Loans and leases | $329.4M | |
| Total equity | $37.4M | |
| Loans / deposits | 86.11% (p62 of band) | 82.04% |
| Liquid assets / assets | 17.44% (p23 of band) | |
| Uninsured deposits / deposits | 23.35% (p41 of band) | 25.97% |
| Brokered deposits | 2.33% | |
| Wholesale funding | 3.09% (p48 of band) | |
| FHLB advances / assets | 0.75% | |
| Tier 1 leverage | 9.64% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -12.13% (p38 of band) | -8.10% |
| AOCI / equity | -0.20% (p59 of band) | |
| ROA (annualized) | 1.18% (p44 of band) | 1.28% |
| Net interest margin | 3.92% (p51 of band) | 3.91% |
| Efficiency ratio | 61.27% (p50 of band) | |
| Noncurrent loans | 2.74% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 52.72% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 130.97% (p95 of band) | |
| Auto loans | $4.6M (1.39% of loans; DQ 2.45%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 | uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 5 | brokered >10%, liquid assets <10% | uninsured deposits leaving |
| 2013-03 | 4 |  | liquid assets <10% |
| 2013-06 | 5 | liquid assets <10% |  |
| 2013-09 | 4 |  | capital falling |
| 2013-12 | 3 |  | brokered >10% |
| 2014-03 | 5 | capital falling, construction >100% equity |  |
| 2014-06 | 3 |  | capital falling, construction >100% equity |
| 2014-09 | 2 |  | liquid assets <10% |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2016-06 | 2 | wholesale funding >15%, capital falling |  |
| 2016-09 | 3 | brokered >10% |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 3 | construction >100% equity |  |
| 2017-06 | 3 | capital falling | construction >100% equity |
| 2017-09 | 4 | construction >100% equity |  |
| 2017-12 | 3 |  | construction >100% equity |
| 2018-03 | 3 | construction >100% equity | capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | capital falling | construction >100% equity |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 1 |  | wholesale funding >15% |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | wholesale funding >15% |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | charge-offs p90 | brokered >10% |
| 2020-06 | 0 |  | wholesale funding >15%, charge-offs p90 |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 | construction >100% equity | capital falling |
| 2021-03 | 0 |  | construction >100% equity |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 1 | construction >100% equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-03-26 [Heritage Bank of the Ozarks Promotes Three Team Members - The Providence Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxOLWotVUx5R2RoX1h0bFROSVMyRDBQc0lVbnlPZWtuUnoxYTg0TDlsZzZyODQyVTl1WHczMFNab1pSRmpvRmRLcUQyV25UX183dkZ0bUszTWdaaUszeVNGLWt0UmVxR2lEcnRpRzNWcnNsMVE1UjZZOUdkMEk0dzNIaEFON2N5WDdsQ0VVUWt5bzlsTUZpRGFabEc3VEc1N0Z5S0lpVEExaVYwT21JYVE?oc=5) · The Providence Journal
- 2024-03-07 [Missouri Senate - Media - Missouri Senate (.gov)](https://news.google.com/rss/articles/CBMiYEFVX3lxTFAxRXpwVndad3FFT1k4eEVFZzFvMkpyQ2RjREpGcEpfSGtvM3pWaVE2aGg5WnZuSDFESTF1OWV4bFNGa1FMc3BJaGpLdVpFS3JYbGdTNG54NmhnYndxT25xcA?oc=5) · Missouri Senate (.gov)
- 2026-06-19 [Donald "Don" Clark (Lebanon)'s Obituary, Visitation & Funeral Information - Holman-Howe Funeral Homes](https://news.google.com/rss/articles/CBMidkFVX3lxTE9EYVRacy1jUlpYdnRSb0pLSzMtZWpkMXRKLUlfLXR1ckxXdlBQYUdqTFl1bmttb3FocElEZTVnTXlaU3B5LUtnYVo4d2ttWWM1WXgwa1ppWXgyVUFtSWwzOFY4VjFob3F3TEcwMk1lYmxfUGljWEE?oc=5) · Holman-Howe Funeral Homes
- 2025-09-09 [FULL STORY: Lebanon City Council hears presentation on potential purchase of local golf course - Laclede County Record](https://news.google.com/rss/articles/CBMixgFBVV95cUxQZ3Vfc3JrOGVJczlieHRUY3hua1FWdjd2amhhX2xCUmFmYTVoS1pya0swVW5FbHVjdnNOMVNnOXBYcXdCcTlobW0xYjdNZGlWMk0zai1jaGV6cXE3TUc4VDRoSzBtYkN3Z2dubkJ1Mi1PMi1YcWxvRmZOaGpTMXctLTdWYnNZTkU4aEhRS3Nac1JBS1h0cGtRdGVxRVZ1V29LOGxKZzVMcDVUZlEtdjA0X2NlZGthUDRfY1BqTy1MdFhBaWc3T0E?oc=5) · Laclede County Record
- 2024-04-20 [Business in brief: Sohrab named CMO at Mercy, Nixa PIO headed to Joplin as comms director - Springfield News-Leader](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOVGFLeVZxWEZZelhFRXVwYUltSXlrZk1vMk83MGVuNmMzVVNHbGUtbjRiNkFJSnVQQlVWNVdTeF9uQi1pX2RPZi1fZXVpZ1BtWGZnZmpSUEt4czUzUi12eUhFZ1o5Zk5KbldLQWZGYTJOd2tTV3oyM1MxTWx3MmFjdHpDTkFxa1o0eVVXWTVHeDVYeHAzYmYxMENNUG9vMUFlMDhOeWdtcmhmZHpIMmotSmIyeUc1T1ZVU09PUTM1RmpPWDFSazd0UW5XdXpmWThiOE1DMnlmNDJiT0UtVFZBTXZjRlNnWWs?oc=5) · Springfield News-Leader
- 2025-03-11 [Todd Johnson's Obituary, Visitation & Funeral Information - Holman-Howe Funeral Homes](https://news.google.com/rss/articles/CBMidEFVX3lxTE1BamNhbVFacHY0NTBNbnFtR3VLY3JzNEs3aktja0VJQkktM1pOajh5d2dGamFmb09DeHNDOEdrUC1HWWFJdVVmMnRVTEo2bjVxNEFReWhZOFoxZEVGMXplOHg3VUI2UW1TZzgyRUlzVlhQNXg0?oc=5) · Holman-Howe Funeral Homes
- 2021-02-28 [Patrolman injured - faribaultcountyregister.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOZ0dlQTYtbGZxeWhObTdXWV9FTndMdW15bi05Yk9tS3lBdTdWUTRMZ1JkYmx3SGtYQldUSGYwRlRzQm1FUjBJMDQzS0pFbm03ekhBYWlUbzRkMHhjZFNhWmZISk1EVFBzSEtrYXdWaEEwTHZoTzdINjhzam5QbjdNTUIxTkVoUjViMm1oaUJB?oc=5) · faribaultcountyregister.com
- 2023-08-24 [Shane Kendall Hulett - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOTXZ1cFE5azJfS2p6Z0Ezek0tVXZub2FsbzZoNlp0emdIVHVhdzBaZEtzUGVqRkFScUhRV2U3Q2tKYV9yVWhxYi10ajZ3THBDZU8yZWhyN2R2RU9wQVNKekZja3lhRjZwNDZLSHR2SkJKTUZ0Z29XZ0JXSXVHZWxKZg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57576 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "57576", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide